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Corus Bank, Performance and Condition Ratios
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8538% | 8,090 |
| Cost of funding earning assets | 3.4158% | 144 |
| Net interest margin | -0.5620% | 8,188 |
| Noninterest income to average assets | -2.8377% | 8,184 |
| Noninterest expense to average assets | 2.6693% | 5,491 |
| Loan and lease loss provision to assets | 14.2159% | 13 |
| Net operating income to assets | -20.3788% | 8,173 |
| Return on assets (ROA) | -20.3717% | 8,172 |
| Pretax return on assets | -20.2217% | 8,170 |
| Return on Equity (ROE) | -600.8762% | 8,185 |
| Retained earnings to average equity (ytd only) | -600.8762% | 8,185 |
| Net charge-offs to loans | 26.5901% | 6 |
| Credit loss provision to net charge-offs | 103.2103% | 4,444 |
| Earnings coverage of net charge-offs (x) | -0.4365% | 6,039 |
| Efficiency ratio | -79.8358% | 8,175 |
| Assets per employee ($millions) | 13.5461% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0246% | 50 |
| Loan loss allowance to noncurrent loans | 9.8700% | 7,499 |
| Noncurrent assets plus other real estate owned to assets | 44.0938% | 4 |
| Noncurrent loans to loans | 71.1713% | 2 |
| Net loans and leases to total assets | 48.9675% | 6,962 |
| Net loans and leases to deposits | 48.5696% | 7,542 |
| Net loans and leases to core deposits | 69.9207% | 7,019 |
| Total domestic deposits to total assets | 100.8192% | 6 |
| Equity capital to assets | -2.3128% | 8,186 |
| Core capital (leverage) ratio | -2.0849% | 8,186 |
| Tier 1 risk-based capital ratio | -3.1106% | 8,186 |
| Total risk-based capital ratio | -3.1106% | 8,186 |
| Memoranda: | ||
| Average total assets | $7,648,471,330 | 138 |
| Average earning assets | $6,884,431,670 | 138 |
| Average equity | $259,308,000 | 296 |
| Average total loans | $3,961,932,000 | 162 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3315% | 8,113 |
| Cost of funding earning assets | 3.4541% | 166 |
| Net interest margin | -0.1226% | 8,239 |
| Noninterest income to average assets | -1.8795% | 8,231 |
| Noninterest expense to average assets | 2.3189% | 6,474 |
| Loan and lease loss provision to assets | 10.4735% | 38 |
| Net operating income to assets | -14.9015% | 8,208 |
| Return on assets (ROA) | -14.8878% | 8,201 |
| Pretax return on assets | -14.7689% | 8,199 |
| Return on Equity (ROE) | -252.5188% | 8,210 |
| Retained earnings to average equity (ytd only) | -252.5188% | 8,209 |
| Net charge-offs to loans | 7.8738% | 96 |
| Credit loss provision to net charge-offs | 258.6899% | 1,822 |
| Earnings coverage of net charge-offs (x) | -1.0643% | 5,374 |
| Efficiency ratio | -116.5154% | 8,231 |
| Assets per employee ($millions) | 14.6350% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1858% | 30 |
| Loan loss allowance to noncurrent loans | 17.0886% | 7,306 |
| Noncurrent assets plus other real estate owned to assets | 32.6462% | 8 |
| Noncurrent loans to loans | 47.9018% | 4 |
| Net loans and leases to total assets | 50.0037% | 6,867 |
| Net loans and leases to deposits | 53.1199% | 7,336 |
| Net loans and leases to core deposits | 76.0101% | 6,675 |
| Total domestic deposits to total assets | 94.1336% | 36 |
| Equity capital to assets | 4.1848% | 8,156 |
| Core capital (leverage) ratio | 3.9985% | 8,170 |
| Tier 1 risk-based capital ratio | 5.6596% | 8,155 |
| Total risk-based capital ratio | 6.9871% | 8,156 |
| Memoranda: | ||
| Average total assets | $7,971,046,500 | 138 |
| Average earning assets | $7,199,069,500 | 136 |
| Average equity | $469,950,000 | 195 |
| Average total loans | $4,098,674,500 | 158 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1805% | 7,696 |
| Cost of funding earning assets | 3.8726% | 150 |
| Net interest margin | 1.3079% | 8,205 |
| Noninterest income to average assets | 0.1278% | 7,472 |
| Noninterest expense to average assets | 0.8045% | 8,231 |
| Loan and lease loss provision to assets | 7.1708% | 38 |
| Net operating income to assets | -5.2368% | 8,101 |
| Return on assets (ROA) | -5.2350% | 8,093 |
| Pretax return on assets | -6.5957% | 8,137 |
| Return on Equity (ROE) | -52.7385% | 8,170 |
| Retained earnings to average equity (ytd only) | -52.8045% | 8,155 |
| Net charge-offs to loans | 9.0458% | 18 |
| Credit loss provision to net charge-offs | 157.2841% | 3,307 |
| Earnings coverage of net charge-offs (x) | 0.1257% | 6,170 |
| Efficiency ratio | 58.4078% | 6,620 |
| Assets per employee ($millions) | 15.9614% | 103 |
| Cash dividends to net income (ytd only)* | -0.1252% | 7,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6464% | 39 |
| Loan loss allowance to noncurrent loans | 13.2826% | 7,444 |
| Noncurrent assets plus other real estate owned to assets | 29.2477% | 9 |
| Noncurrent loans to loans | 50.0382% | 2 |
| Net loans and leases to total assets | 45.4079% | 7,379 |
| Net loans and leases to deposits | 49.5158% | 7,648 |
| Net loans and leases to core deposits | 70.0344% | 7,185 |
| Total domestic deposits to total assets | 91.7039% | 178 |
| Equity capital to assets | 7.4584% | 7,419 |
| Core capital (leverage) ratio | 7.2212% | 7,505 |
| Tier 1 risk-based capital ratio | 10.1785% | 6,540 |
| Total risk-based capital ratio | 11.4745% | 6,357 |
| Memoranda: | ||
| Average total assets | $8,696,174,400 | 121 |
| Average earning assets | $8,309,014,200 | 115 |
| Average equity | $863,219,200 | 130 |
| Average total loans | $4,382,908,600 | 149 |